2025 HRK to ZAR Historical Review

YEARLY HIGH

2.9095 ZAR

YEARLY LOW

2.5213 ZAR

YEARLY AVERAGE

2.6797 ZAR

2025 HRK to ZAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to ZAR exchange rate experienced significant fluctuation. The market reached its absolute peak on April 10, valuing the pair at 2.9095. Conversely, the yearly low was recorded on February 10, dropping to 2.5213.

This high-to-low spread represents a total annual volatility of 0.3882 ZAR. From a start-to-finish perspective, comparing the January average rate of 2.5723 to the December average rate of 2.6158, the exchange rate registered a net change of 1.69% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 2.9095 was up 4.87% compared to the 2024 peak of 2.7745, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HRK based on timing:

Yearly Peak High 14,548 ZAR

2024 Average 13,159 ZAR

Yearly Trough Low 12,606 ZAR

Transaction Impact: A difference of 1,941.17 ZAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

2.8511

2.5283

JanuMarcMayJulySeptNove

HRK to ZAR Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 2.6692, compared to 2.6902 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0210 points.

H1 Avg (Jan–Jun) 2.6692

H2 Avg (Jul–Dec) 2.6902

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.2628 ZAR (High: 2.9095 / Low: 2.6467). On the other end, November was the most stable month, with a tight range of 0.0400 ZAR (High: 2.6695 / Low: 2.6295).

April Spread (Volatile) ±0.2628

November Spread (Stable) ±0.0400

Growth Streaks & Declines

Trends

Between February and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.1141 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.1141

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2025: 2.8242) against the same month in 2024 (average: 2.6868), the exchange rate shifted by +0.1373 (+5.11%).

2025 Avg (April) 2.8242

2024 Avg (April) 2.6868

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.5999	2.5551	2.5723
February	2.5869	2.5213	2.5552
March	2.6509	2.5752	2.6205
April	2.9095	2.6467	2.8242
May	2.7819	2.6736	2.7101
June	2.7805	2.6874	2.7332
July	2.7830	2.7287	2.7553
August	2.7867	2.7097	2.7384
September	2.7474	2.6882	2.7146
October	2.6995	2.6397	2.6726
November	2.6695	2.6295	2.6447
December	2.6415	2.5831	2.6158